Federal National Mortgage Association Fannie Mae (BUE:FNMA) 3-Year ROIIC % : 0.00% (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BUE:FNMA Federal National Mortgage Association Fannie Mae BUE:FNMA
5 GF Score
Price ARS8,000.00
GF Value ARS5,171.75
Valuation Significantly Overvalued
! 2 Warning Signs
View Full Analysis

What is Federal National Mortgage Association Fannie Mae 3-Year ROIIC %?

Federal National Mortgage Association Fannie Mae BUE:FNMA -22.33% 5 3-Year ROIIC % is 0.00 as of Dec. 2025. GuruFocus rates BUE:FNMA with a GF Score™ of 5/100 and a GF Value™ of ARS5,171.75 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 47 Banks companies, Federal National Mortgage Association Fannie Mae ranks worse than 2127657.45% on this metric.

3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year. Federal National Mortgage Association Fannie Mae does not have enough data to calculate 3-Year ROIIC %.


Federal National Mortgage Association Fannie Mae  (BUE:FNMA) 3-Year ROIIC % Explanation

Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.

High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.

Be Aware

It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.


Federal National Mortgage Association Fannie Mae 3-Year ROIIC % Related Terms


Federal National Mortgage Association Fannie Mae 3-Year ROIIC % Historical Data

* Premium members only.

The historical data trend for Federal National Mortgage Association Fannie Mae's 3-Year ROIIC % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Federal National Mortgage Association Fannie Mae 3-Year ROIIC % Chart

Federal National Mortgage Association Fannie Mae Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
3-Year ROIIC %
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - - - -

Federal National Mortgage Association Fannie Mae Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
3-Year ROIIC % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only - - - - -

BUE:FNMA vs PFSI, FMCC, UWMC: 3-Year ROIIC % Comparison

For the Mortgage Finance subindustry, Federal National Mortgage Association Fannie Mae's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Federal National Mortgage Association Fannie Mae 3-Year ROIIC % vs Banks Industry

For the Banks industry and Financial Services sector, Federal National Mortgage Association Fannie Mae's 3-Year ROIIC % distribution charts can be found below:

* The bar in red indicates where Federal National Mortgage Association Fannie Mae's 3-Year ROIIC % falls into.


BUE:FNMA
5GF Score
Federal National Mortgage Association Fannie Mae BUE:FNMA
3-Year ROIIC % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Federal National Mortgage Association Fannie Mae 3-Year ROIIC % Calculation

Federal National Mortgage Association Fannie Mae's 3-Year ROIIC % for the quarter that ended in Dec. 2025 is calculated as:

3-Year ROIIC %=3-Year Incremental Net Operating Profit After Taxes (NOPAT)**/3-Year Incremental Invested Capital**
=( (Dec. 2025) - (Dec. 2022) )/( (Dec. 2025) - (Dec. 2022) )
=/
=N/A%***

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.

Frequently Asked Questions Learn more about 3-Year ROIIC % →
What does a 3-Year ROIIC % of 0.00 mean?
Federal National Mortgage Association Fannie Mae (BUE:FNMA) has a 3-Year ROIIC % of 0.00 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Federal National Mortgage Association Fannie Mae and its competitors. According to the industry distribution chart, Federal National Mortgage Association Fannie Mae ranks #999999 out of 47 companies in the Banks industry.
Is Federal National Mortgage Association Fannie Mae's 3-Year ROIIC % too high?
Federal National Mortgage Association Fannie Mae's current 3-Year ROIIC % is 0.00. Based on the distribution chart, Federal National Mortgage Association Fannie Mae ranks #999999 out of 47 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Federal National Mortgage Association Fannie Mae has a GF Score™ of 5/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Federal National Mortgage Association Fannie Mae's 3-Year ROIIC % compare to PFSI and FMCC?
According to the Banks industry distribution chart, Federal National Mortgage Association Fannie Mae ranks #999999 out of 47 companies for 3-Year ROIIC %. This places Federal National Mortgage Association Fannie Mae in the lower half of its industry. The industry median 3-Year ROIIC % is 2.23. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year ROIIC % for a Banks company?
The median 3-Year ROIIC % among Banks companies is 2.23, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Federal National Mortgage Association Fannie Mae and its competitors. For the Banks industry, the median 3-Year ROIIC % is 2.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Federal National Mortgage Association Fannie Mae's current 3-Year ROIIC % is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Federal National Mortgage Association Fannie Mae stock overvalued right now?
Based on GuruFocus' analysis, Federal National Mortgage Association Fannie Mae (BUE:FNMA) is currently considered Significantly Overvalued. The stock's GF Value™ is ARS5,171.75, compared to a current price of ARS8,000.00 — trading 54.7% above its estimated fair value. The current 3-Year ROIIC % is 0.00. Federal National Mortgage Association Fannie Mae's overall GF Score™ is 5/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Federal National Mortgage Association Fannie Mae (BUE:FNMA), the current 3-Year ROIIC % is 0.00 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Federal National Mortgage Association Fannie Mae (BUE:FNMA) Overvalued in 2026?

Based on GuruFocus' analysis, Federal National Mortgage Association Fannie Mae stock appears to be overvalued. The current stock price of ARS8,000.00 is trading 54.7% above its estimated GF Value™ of ARS5,171.75. GuruFocus considers Federal National Mortgage Association Fannie Mae to be Significantly Overvalued.

Key valuation signals for BUE:FNMA:

  • 3-Year ROIIC %: 0.00
  • GF Value™: ARS5,171.75 vs. price of ARS8,000.00 (54.7% above fair value)
  • GF Score™: 5/100 with 2 warning signs

No single metric tells the full story. See the BUE:FNMA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Federal National Mortgage Association Fannie Mae Business Description

Address 1100 15th Street, NW, Midtown Center, Washington, DC, USA, 20005
Federal National Mortgage Association Fannie Mae is a source of financing for mortgages in the United States. The company has two segments namely the Single-Family business that operates in the secondary mortgage market relating to single-family mortgage loans, which are secured by properties containing four or fewer residential dwelling units and the Multifamily business operates in the secondary mortgage market relating mainly to multifamily mortgage loans, which are secured by properties containing five or more residential units. The majority of the revenue is derived from the Single-Family segment.
5GF Score

Get the complete analysis for BUE:FNMA

3-Year ROIIC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

ARS8,000.00
Price
ARS5,171.75
GF Value